I will now mention another "unmentionable" even worse than toenail fungus;
Hemorrhoids.
It's no fun climbing on a bike seat when you have a hemorrhoid flare-up. " Flare-up" is a good description. Your ass is on fire. Before you allow it to consume you, there are ways to alleviate the symptoms. I had surgery for mine, and the recovery is even worse. For me, just standing was too painful for two weeks as the throbbing pain was too intense and lying down was the only way to stop it. There are things you can do to minimize this problem and treat it yourself.
1) Make sure you are eating enough fruit and veggies and are drinking enough water to prevent constipation.
2) Lose the stack of magazines on the toilet tank. Do your business and get out of there as quickly as possible. The longer you sit, the more apt this problem will arise.
3) Buy a bottle of witch hazel, an "astringent" which causes contraction of body tissue, typically of the skin. Its inexpensive. It looks like alcohol and does contain some, but does not burn. (Hint: keep this separate from the alcohol in the medicine cabinet, or you will find out why...)
4) Buy a tube of hemorrhoidal ointment which will hopefully begin to shrink the hemorhoid. Just like the Vix, A store brand is cheaper than Preparation H and works just as well.
5) Buy a box of nitrile gloves. I get mine from Harbor Freight, a box of 100 for six bucks and use them for working on the bike, too.
6) Buy a jar of petroleum jelly, once again the store brand is fine.
OK, now you have your first aid kit. As soon as you notice a flare-up, begin by pouring witch hazel on a wad of toilet paper and tucking it between your butt cheeks, and leave it there for a minute, or two. This is very soothing and begins to shrink the inflamed tissue. Next, put on a glove and apply the hemorrhoidal ointment to the tip of the middle finger and gently push the swollen hemorrhoid back in.(The applicator that comes with the ointment can hurt and may perforate the swollen tissue, and then it has to be cleaned) You may have to repeat this., then tuck another wad of toilet paper between your cheeks with witch hazel for another minute. If the hemorrhoid pops out again, say when you cough, put on another glove and this time use petroleum jelly. The hemorrhoid ointment can only be used a few times day, or that may also become an irritant. A minor episode is easily handled by just using petroleum jelly .And, when you remove the glove, turn it completely inside out and dispose of it, clean everything and wash your hands, well. (If no one puts a "like" on this one, I will understand...)